Why is AED 0.15% and not 0.10%?

It reflects the AED rail and its documentation requirements. Every other core pair prices at 0.10%.

Is 0.10% my total cost?

No. The FX margin is one component. Pay in, payout, SWIFT and correspondent charges are quoted separately and are identical across memberships.

Can I fix my rate for next quarter?

No. There are no forwards or hedging products. Your margin is fixed for the relationship, so the cost of conversion does not move even though the market does.

When does Institutional make more sense?

For banks and deposit taking institutions, MSBs and FMSBs, remittance firms, foreign exchange firms and trading platforms, and CFD brokers, where pricing is bespoke and approval is enhanced. Talk to Treasury before you apply.

TREASURY MEMBERSHIP · USD 500 PER MONTH

A published 0.10% margin and a person who answers by name.

For approved businesses running recurring cross border flow where a held payment costs more than the fee. The core FX margin is 0.10%, AED prices at 0.15%, and a named treasury specialist owns your traces, amendments, recalls and evidence until they close.

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MONTHLYUSD 500

ANNUALUSD 5,000 · TWO MONTHS INCLUDED

CORE FX MARGIN0.10%

AED FX MARGIN0.15%

TREASURY SUPPORTNAMED SPECIALIST

SUGGESTED FOR USD 1.33M A YEAR AND ABOVE. THE BAND IS GUIDANCE, NOT A RESTRICTION.

What Treasury Membership adds.

THE LOWEST PUBLISHED MARGIN AND A NAMED OWNER

The five accountsGBP, EUR, USD, AED and CAD capabilities, issued in your business name where approved.INCLUDED

Local railsFaster Payments, CHAPS, SEPA, SEPA Instant, ACH, Fedwire, UAEFTS, IPP, EFT and wire.INCLUDED

USD SWIFT reachPayment reach to 180+ countries, settling 1 to 3 days. Reach, not a sixth account.INCLUDED

Pre agreed FX margin0.10% on GBP, EUR, USD and CAD. 0.15% on AED. Agreed before you instruct.0.10%

Named treasury specialistOne person owns your traces, amendments, recalls and compliance requests until they close.INCLUDED

Payment evidenceMT103 or rail reference on every settled payment, produced without a ticket queue.INCLUDED

Corridor structuringThe desk prices and structures new corridors before you commit to a counterparty.INCLUDED

WHO CHOOSES TREASURY MEMBERSHIP

RECURRING FLOWPaying the same suppliers every monthAt this frequency the margin compounds, and one held payment costs more than a year of membership.

FINANCE TEAMA controller who has to evidence every paymentMT103 or rail reference on every row, and one person to call when a credit is short.

MULTI MARKETHolding three or more of the five accountsReceipts in several currencies funding payables in several more, all at one published margin.

Treasury Membership at your volume.

SUGGESTED BAND · USD 1.33M A YEAR AND ABOVE

ANNUAL VOLUMEUSD 3,000,000

USD 100KUSD 100M

TREASURY MEMBERSHIPLOWEST MODELLED COST

USD 10,400

Membership, annualUSD 5,000

FX charge at 0.10%USD 3,000

Incoming movementsUSD 750

Local rail payoutsUSD 1,125

USD SWIFT payoutsUSD 525

COMPARED WITH

BUSINESSCORE FX 0.50%

USD 18,400

BUSINESS PLUSCORE FX 0.25%

USD 12,900

Treasury Membership produces the lowest modelled cost at this volume. This is the one we would recommend.

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FEE SCHEDULE

Membership, monthlyUSD 500Billed monthly in your funding currency.

Membership, annualUSD 5,000Ten months paid in advance. Two months included.

Core FX marginFROM 0.10%GBP, EUR, USD and CAD. Pre agreed and applied at conversion.

AED FX marginFROM 0.15%Reflects the AED rail and its documentation requirements.

GBP movementsGREATER OF GBP 5 OR 0.05%Per movement, incoming or outgoing, on Faster Payments and CHAPS.

EUR movementsGREATER OF EUR 5 OR 0.05%Per movement on SEPA and SEPA Instant.

USD movementsGREATER OF USD 35 OR 0.05%Per movement on ACH and Fedwire.

AED movementsGREATER OF AED 20 OR 0.08%Per movement on UAEFTS and IPP.

USD SWIFT movementsGREATER OF USD 35 OR 0.05%Reach to 180+ countries, settling 1 to 3 days.

CAD paymentsAT COSTPassed through with no uplift until the provider schedule is confirmed.

Recalls, investigations and returnsAT COSTTold to you before they are incurred, with no uplift added.

SWITCHING AND RENEWAL

UPGRADEApplies from the next billing period. Unused months on an annual term are credited against the new invoice.

DOWNGRADEApplies at the end of the current paid period. Annual membership is not refunded early.

REVIEW TRIGGERA material change in volume, corridors, pairs or risk profile, and at each renewal.

WHO DECIDESMembership choice is yours. Account capability and transaction approval remain ours.

TREASURY MEMBERSHIP QUESTIONS

They own the exception. Payment traces, amendments and recalls, compliance information requests, short or delayed payments, and producing the MT103 or rail reference for your auditor.

The margin stops moving. So does the guesswork.

Membership choice is yours. Account capabilities, currency pairs and transaction pricing remain subject to approval.

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